LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,686
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,419
−HK$1,759/mo
Today · 4.125%
HK$59,178
baseline
▲ 0.50% · 4.625%
HK$62,779
+HK$3,601/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,356/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,951
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,612
−HK$1,686/mo
Today · 4.125%
HK$65,298
baseline
▲ 0.50% · 4.625%
HK$68,740
+HK$3,442/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,596/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,824
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,902
−HK$2,112/mo
Today · 4.125%
HK$71,014
baseline
▲ 0.50% · 4.625%
HK$75,335
+HK$4,321/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$142,028/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,341
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,334
−HK$2,023/mo
Today · 4.125%
HK$78,357
baseline
▲ 0.50% · 4.625%
HK$82,487
+HK$4,130/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,714/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,961
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,386
−HK$2,464/mo
Today · 4.125%
HK$82,850
baseline
▲ 0.50% · 4.625%
HK$87,891
+HK$5,041/mo
Deposit HK$7.33M · loan HK$17.09M · min. income ≈ HK$165,700/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,731
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,057
−HK$2,360/mo
Today · 4.125%
HK$91,417
baseline
▲ 0.50% · 4.625%
HK$96,235
+HK$4,818/mo
Deposit HK$7.33M · loan HK$17.09M · min. income ≈ HK$182,834/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,236
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$103,353
−HK$3,168/mo
Today · 4.125%
HK$106,521
baseline
▲ 0.50% · 4.625%
HK$113,003
+HK$6,482/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,042/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,511
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$114,502
−HK$3,034/mo
Today · 4.125%
HK$117,536
baseline
▲ 0.50% · 4.625%
HK$123,731
+HK$6,195/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,072/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,898 · Scale 2, in force from 26 Feb 2026)